Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Directions Credit Union
Metric by metric
| Measure | First Federal Savings and Loan Association | Directions Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 63 | 65 (stronger) |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 98th | 50th |
| Total assets | $246.0M | $1.4B |
| Deposits / shares | $205.9M | $1.2B |
| Capital ratio | 16.48% (stronger) | 9.66% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.07% | 1.14% (stronger) |
| Loans ÷ deposits | 55.8% (stronger) | 93.1% |
| Uninsured deposits | 3.7% (stronger) | 5.0% |
| Offices | 6 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.7% | 20.9% |
First Federal Savings and Loan Association has the higher TellerScore (93 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 6 and Directions Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.